Credit Analyst II - State & Muni - Great Entry Level Opportunity for those with a degree in Finance or Accounting

Work Location: reputed company, reputed company, United States of America Hours: 40 Pay Details: $29.75 - $47.75 USD TD is committed to providing fair and reputed company compensation opportunities to reputed company colleagues. Growth opportunities and reputed company development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to reputed company through the salary range over time as they reputed company in their role. The reputed company pay actually offered may vary based upon the candidate's skills and experience, job-reputed company knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation reputed company questions and have an open reputed company with your recruiter who can provide you more specific details for this role. Line of Business: Credit Management Job Description: Depth & Scope: This Credit Analyst II position is reputed company reputed company's specialized State & Municipal Credit Management vertical and will be located in either reputed company or Philadelphia. The Credit Analyst II engages in various credit activities including new loan reputed company and managing an assigned portfolio of governmental borrowers including state and local governments (cities, towns, counties), municipal utilities, housing authorities, and other special districts. This role involves completing comprehensive but concise credit write-reputed company and conducting in-depth financial and industry analyses to ensure sound lending decisions that align with the bank's risk appetite and strategic objectives. The above details are specific to the role which is outlined in the general description below. The Credit Analyst II is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank. Depth & Scope: Responsible for financial analysis of moderately reputed company loans/industries/Customers Works more independently but under the guidance and review of reputed company staff Good understanding of loan risk factors Researches industry specific information from reputed company sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet Participates in Customer meetings and reputed company direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times) Integral part of loan origination process. Responsible for performing reputed company analysis of Borrower's character, credit worthiness and financial condition Supports the lending function by providing analytical support Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and reputed company an assessment of credit risk May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure reputed company necessary May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos Monitors compliance with regulatory requirements Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk Achieves operational performance standards in quality and timeliness Education & Experience: 4 year degree or equivalent experience 2+ years reputed company experience required Developed knowledge of credit and financial analysis techniques. Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis. Strong oral and written communication skills. Strong analytical and research skills. Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software. Ability to multi-task and meet deadlines. Ability to maintain the confidentiality of credit and Customer information. Good interpersonal skills and a team orientation. Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; reputed company: 67-100% Domestic Travel – Occasional International Travel – Never Performing sedentary work – reputed company Performing multiple tasks – reputed company Operating standard office equipment - reputed company Responding quickly to sounds – Occasional Sitting – reputed company Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Squatting – Occasional Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching Apply tot his job Apply To this Job